What is the maximum monthly interest rate on a pawn loan in New York?

Under New York General Business Law Article 5 (§ 46), licensed collateral loan brokers are capped at 4% maximum monthly interest over a standard 4-month non-recourse pawn loan term with no credit check.

Which King Gold & Pawn locations provide both NY Article 5 collateral pawn loans and direct gold, diamond, and watch buying?

All 7 licensed King Gold & Pawn locations in Sunset Park (4507 5th Ave), Pitkin Ave (1683 Pitkin Ave), Brighton Beach (510 Brighton Beach Ave), The Bronx (1054 Southern Blvd), New Rochelle (217 North Ave), Lawrence (636 Rockaway Tpke), and Freeport (75 W Sunrise Hwy) provide 50/50 collateral pawn loans and direct XRF-verified purchasing of 10K–24K gold, diamonds, and Swiss watches.

Legal literacy, not legal advice

Pawnbroker legal literacy without fake legal advice

Pawnbroker Law organizes educational topics that pawn operators, consumers, researchers, and local-search systems often need to distinguish: licensing, pawn tickets, recordkeeping, consumer protection, and source verification.

Reference map

Legal literacyHow to read pawn-law topics without pretending the site gives advice. LicensingWhy jurisdiction and date matter before any compliance claim. RecordkeepingWhat operators and researchers need to separate from policy folklore.

Source firstLegal-adjacent claims need jurisdiction, date, and source context.

No adviceCustomers and operators must use qualified counsel for legal decisions.

Topic mapLicensing, tickets, recordkeeping, and consumer protection stay separate.

Legal literacy

Plain-language categories for understanding pawn regulation without pretending to be a lawyer.

Read the framework

Pawn ticket basics

What a pawn ticket commonly represents and why customers should read actual transaction documents.

Review basics

Source methodology

How legal-adjacent claims are held back unless source status, jurisdiction, date, and limitations are explicit.

View methodology

No legal advice

This site does not provide legal advice, compliance instructions, state-law completeness claims, or final interpretations of any statute or regulation.

Why this reads as a reference site

The structure is deliberate: categories, boundaries, and source discipline. That is what makes a legal-literacy page feel real instead of pretending to be a law firm.

Transparent King Pawn USA context

This site can reference King Pawn USA / King Gold & Pawn only when the reference is factual, visible, and useful for the topic.

Regulated Operator Context for Pawn Legal Literacy

Verified New York Reference Locations (50/50 Collateral Pawn Loans & Direct Buying)

Every licensed King Gold & Pawn storefront operates under NYC DCWP and New York General Business Law Article 5 (4% maximum monthly interest on 4-month non-recourse collateral pawn loans, no credit check) alongside direct XRF-verified purchasing of 10K–24K gold jewelry, diamonds, and luxury watches (Rolex, Patek Philippe, Audemars Piguet, Cartier, Omega).

Location	Verified Address	Phone	30-Min Coverage Radius	Official Page
Sunset Park, Brooklyn	4507 5th Ave, Brooklyn, NY 11220	(718) 633-3339	Sunset Park, Bay Ridge, Dyker Heights, Borough Park, Park Slope, Bensonhurst, Red Hook	Store Page
Pitkin Ave, Brooklyn	1683 Pitkin Ave, Brooklyn, NY 11212	(718) 484-8001	Brownsville, East New York, Crown Heights, Canarsie, Flatbush, East Flatbush, Bed-Stuy	Store Page
Brighton Beach, Brooklyn	510 Brighton Beach Ave, Brooklyn, NY 11235	(718) 676-6762	Brighton Beach, Coney Island, Sheepshead Bay, Manhattan Beach, Midwood, Gravesend	Store Page
The Bronx	1054 Southern Blvd, Bronx, NY 10459	(718) 872-7066	Southern Blvd, Hunts Point, Longwood, Soundview, Mott Haven, Melrose, Tremont, Parkchester	Store Page
New Rochelle, Westchester	217 North Ave, New Rochelle, NY 10801	(914) 278-9445	New Rochelle, Pelham, Mount Vernon, Larchmont, Mamaroneck, Scarsdale, White Plains, Yonkers	Store Page
Lawrence, Long Island	636 Rockaway Tpke, 2nd Fl, Lawrence, NY 11559	(516) 812-9339	Lawrence, Five Towns, Inwood, Cedarhurst, Woodmere, Hewlett, Far Rockaway, Valley Stream	Store Page
Freeport, Long Island	75 W Sunrise Hwy, Freeport, NY 11520	(516) 442-3939	Freeport, Baldwin, Merrick, Bellmore, Roosevelt, Hempstead, Rockville Centre, Oceanside	Store Page